Pepper Money Ltd
ASX:PPM

Watchlist Manager
Pepper Money Ltd Logo
Pepper Money Ltd
ASX:PPM
Watchlist
Price: 1.415 AUD 0.35% Market Closed
Market Cap: 622.8m AUD
Have any thoughts about
Pepper Money Ltd?
Write Note

Intrinsic Value

PPM's intrinsic value estimate is unreliable because it is based only on its multiples and doesn't use a DCF valuation.

The intrinsic value of one PPM stock under the Base Case scenario is 5.326 AUD. Compared to the current market price of 1.415 AUD, Pepper Money Ltd is Undervalued by 73%.

The Intrinsic Value is calculated as the average of DCF and Relative values:

PPM Intrinsic Value
5.326 AUD
Undervaluation 73%
Intrinsic Value
Price
Worst Case
Base Case
Best Case

Valuation History
Pepper Money Ltd

Intrinsic Value History
Dive into the past to invest in the future

Uncover deeper insights with the Valuation History. Learn how current stock valuations stack up against historical averages to gauge true investment potential.

Start now and learn if your stock is truly undervalued or overvalued!

Start Valuation
Backtest Conclusion
Very Attractive
Current Valuation
+45%
Avg Valuation
-12%
Worst Valuation
-49%
Best Valuation
+45%

Stock is trading at its lowest valuation over the past 5 years.

Backtest Example
Register to View Results
Register to View Results

To access the results of this valuation backtest, please register an account with us. Registration is quick and gives you instant access to insights on 3 stocks per week for free.

Valuation History Unavailable

Historical valuation for PPM cannot be conducted due to limitations such as insufficient data or other constraints.

Valuation In Progress...
Valuation In Progress...
How do you feel about PPM?
Bearish
Neutral
Bullish

Fundamental Analysis

1.415 AUD
+0.35%
+0.35%
Benchmark
Company Quality
No Indicators Selected
Select Indicators

Select up to 3 indicators:

Insider Trading
0-3
Months
0-6
Months
0-12
Months
0-36
Months
No Periods Selected
Select Periods

Select up to 2 periods:

Pepper Money Ltd
AU
Financial Services
Market Cap
624.9m AUD
IPO
May 25, 2021
Employees
-
Australia
Market Cap
624.9m AUD
Industry
Financial Services
IPO
May 25, 2021
Company Overview
Loading...
Economic Moat
Loading...
Earnings Call
Loading...
Management
Loading...
Contacts
Loading...
AI Assistant
AI Assistant
Ask me anything about Pepper Money Ltd

Provide an overview of the primary business activities
of Pepper Money Ltd.

What unique competitive advantages
does Pepper Money Ltd hold over its rivals?

What risks and challenges
does Pepper Money Ltd face in the near future?

Has there been any significant insider trading activity
in Pepper Money Ltd recently?

Summarize the latest earnings call
of Pepper Money Ltd.

Is it considered overvalued or undervalued
based on the latest financial data?

Show all valuation multiples
for Pepper Money Ltd.

Provide P/S
for Pepper Money Ltd.

Provide P/E
for Pepper Money Ltd.

Provide P/OCF
for Pepper Money Ltd.

Provide P/FCFE
for Pepper Money Ltd.

Provide P/B
for Pepper Money Ltd.

Provide EV/S
for Pepper Money Ltd.

Provide EV/GP
for Pepper Money Ltd.

Provide EV/EBITDA
for Pepper Money Ltd.

Provide EV/EBIT
for Pepper Money Ltd.

Provide EV/OCF
for Pepper Money Ltd.

Provide EV/FCFF
for Pepper Money Ltd.

Provide EV/IC
for Pepper Money Ltd.

Show me price targets
for Pepper Money Ltd made by professional analysts.

What are the Revenue projections
for Pepper Money Ltd?

How accurate were the past Revenue estimates
for Pepper Money Ltd?

What are the Net Income projections
for Pepper Money Ltd?

How accurate were the past Net Income estimates
for Pepper Money Ltd?

What are the EPS projections
for Pepper Money Ltd?

How accurate were the past EPS estimates
for Pepper Money Ltd?

What are the EBIT projections
for Pepper Money Ltd?

How accurate were the past EBIT estimates
for Pepper Money Ltd?

Compare the revenue forecasts
for Pepper Money Ltd with those of its competitors based on recent analyst estimates.

Compare the intrinsic valuations
of Pepper Money Ltd and its key competitors using the latest financial data.

Compare historical revenue growth rates
of Pepper Money Ltd against its competitors.

Analyze the profit margins
(gross, operating, and net) of Pepper Money Ltd compared to its peers.

Compare the P/E ratios
of Pepper Money Ltd against its peers.

Discuss the investment returns and shareholder value creation
comparing Pepper Money Ltd with its peers.

Analyze the financial leverage
of Pepper Money Ltd compared to its main competitors.

Show all profitability ratios
for Pepper Money Ltd.

Provide ROE
for Pepper Money Ltd.

Provide ROA
for Pepper Money Ltd.

Provide ROIC
for Pepper Money Ltd.

Provide ROCE
for Pepper Money Ltd.

Provide Gross Margin
for Pepper Money Ltd.

Provide Operating Margin
for Pepper Money Ltd.

Provide Net Margin
for Pepper Money Ltd.

Provide FCF Margin
for Pepper Money Ltd.

Show all solvency ratios
for Pepper Money Ltd.

Provide D/E Ratio
for Pepper Money Ltd.

Provide D/A Ratio
for Pepper Money Ltd.

Provide Interest Coverage Ratio
for Pepper Money Ltd.

Provide Altman Z-Score Ratio
for Pepper Money Ltd.

Provide Quick Ratio
for Pepper Money Ltd.

Provide Current Ratio
for Pepper Money Ltd.

Provide Cash Ratio
for Pepper Money Ltd.

What is the historical Revenue growth
over the last 5 years for Pepper Money Ltd?

What is the historical Net Income growth
over the last 5 years for Pepper Money Ltd?

What is the current Free Cash Flow
of Pepper Money Ltd?

Discuss the annual earnings per share (EPS)
trend over the past five years for Pepper Money Ltd.

Financials
Annual
Quarterly
TTM
Annual
Quarterly
TTM

Balance Sheet Decomposition
Pepper Money Ltd

Current Assets 115.5m
Cash & Short-Term Investments 99.8m
Receivables 15.7m
Non-Current Assets 18.4B
Long-Term Investments 19.8m
PP&E 28.4m
Intangibles 137.8m
Other Non-Current Assets 18.2B
Current Liabilities 16.3m
Accounts Payable 12m
Other Current Liabilities 4.3m
Non-Current Liabilities 17.6B
Long-Term Debt 17.5B
Other Non-Current Liabilities 127.8m
Efficiency

Earnings Waterfall
Pepper Money Ltd

Revenue
1.6B AUD
Cost of Revenue
-1.2B AUD
Gross Profit
437.2m AUD
Operating Expenses
-267.4m AUD
Operating Income
169.8m AUD
Other Expenses
-65.4m AUD
Net Income
104.4m AUD

Free Cash Flow Analysis
Pepper Money Ltd

Last Value
3-Years Average
FCF Margin
Conversion Rate
Fundamental Scores

PPM Profitability Score
Profitability Due Diligence

Pepper Money Ltd's profitability score is 50/100. The higher the profitability score, the more profitable the company is.

Exceptional 3-Years Revenue Growth
Exceptional 3-Year Average ROE
Positive Gross Profit
Positive Net Income
50/100
Profitability
Score

Pepper Money Ltd's profitability score is 50/100. The higher the profitability score, the more profitable the company is.

PPM Solvency Score
Solvency Due Diligence

Pepper Money Ltd's solvency score is 22/100. The higher the solvency score, the more solvent the company is.

Short-Term Solvency
Long-Term Solvency
Positive Net Debt
High D/E
22/100
Solvency
Score

Pepper Money Ltd's solvency score is 22/100. The higher the solvency score, the more solvent the company is.

Wall St
Price Targets

PPM Price Targets Summary
Pepper Money Ltd

Wall Street analysts forecast PPM stock price to rise over the next 12 months.

According to Wall Street analysts, the average 1-year price target for PPM is 1.632 AUD with a low forecast of 1.566 AUD and a high forecast of 1.785 AUD.

Lowest
Price Target
1.566 AUD
11% Upside
Average
Price Target
1.632 AUD
15% Upside
Highest
Price Target
1.785 AUD
26% Upside
View Analyst Estimates
View Analyst Estimates
Want to learn more about Wall St estimates for PPM?

Click here to dive deeper.

Dividends

Dividend Yield
Lowest
Average
Highest
Dividend Per Share
N/A
Growth 3Y
Growth 5Y
Growth 10Y
Dividend Safety Score
Very
Unsafe
Unsafe
Safe
Very
Safe
0
25
50
75
100
Shareholder Yield

Current shareholder yield for PPM is .

Shareholder yield represents the total return a company provides to its shareholders, calculated as the sum of dividend yield, buyback yield, and debt paydown yield. What is shareholder yield?

Shareholder Yield
Dividend Yield
Lowest
Average
Highest
Buyback Yield
Lowest
Average
Highest
Debt Paydown Yield
Lowest
Average
Highest

Ownership

PPM Insider Trading
Buy and sell transactions by insiders

Cumulative Transactions Amount
Period Sold Bought Net
3 Months
6 Months
9 Months
12 Months
Why is insider trading important?

See Also

Discover More
What is the Intrinsic Value of one PPM stock?

The intrinsic value of one PPM stock under the Base Case scenario is 5.326 AUD.

Is PPM stock undervalued or overvalued?

Compared to the current market price of 1.415 AUD, Pepper Money Ltd is Undervalued by 73%.

Back to Top